Highlights

You could turn $200 into $400 with Cashback Match™. We'll automatically match all the cash back you earn at the end of your first year. New cardmembers only.

Earn 5% cash back in new bonus categories each quarter like gas, restaurants, Amazon.com and more, up to the quarterly maximum each time you activate. Plus, unlimited 1% cash back on all other purchases.

Redeem your cash back for any amount, any time. Cash rewards never expire.

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With a credit score of 625, his credit is considered poor/fair and his options for balance transfer credit cards will be somewhat limited. One card that would be a great choice if he is able to get approved would be the Capital One QuicksilverOne!

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By: Yasir Mahmood| Nov 28, 2016

I'm looking for credit card, what the best card I can have and my score credit 517? which one I can get it?

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By: Lizzie Lycett| Nov 14, 2016

I am new to credit and have been building credit pretty steadily. I have a 659 transunion score, and am looking for a card that i can be approved for. The only thing is i applied for my banks (Sdccu) visa, and was denied. I am in need of a card for emergencies and have never missed a payment. What would be the best card for me?

I would suggest Cap One. They are very good when you are trying to get started and a very good company. They started me out years ago and even though they are a little higher (because they take the risk) I still keep one of their cards because I like the company. Make sure you pay all your bills on time....if not, you are fighting for nothing!

By: Rob Smith| Nov 24, 2016

Up at the top of the page is a dropdown labeled "Credit Quality". It gives choices for different credit score levels. I saw some that said they would pre-approve - that is tell you if you would get it without it impacting your credit score. Your credit score can drop from a new credit application.

By: Rosa Valdez| Nov 25, 2016

Lizzie, to gain a credit history, it takes time. Start with small store and gas station credit cards. When you establish a history with them, go for the higher cards. Never pay the minimum, always pay off the maximum or at least 3/4 of what the charge was worth or as close to it as possible.

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By: Greg Langweg| Nov 12, 2016

I have a 720+ Credit score. If I open another credit card for balance transfer will my score drop?

Anytime you apply for a new credit card, a hard inquiry will be reported to the credit bureaus which may have a slight negative impact on your credit score. However, this effect will be small and temporary for an isolated application. And if you are applying for a credit card to pay off the balance on another card this may actually have a positive impact on your credit in the long run. This is because by opening a new account to pay off your debt you will be decreasing your credit utilization rate significantly.

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0% Credit Cards & Interest Free Credit Cards

Low interest rate (or 0%) credit cards can save you hundreds of dollars on balance transfers and on routine purchases carried over as credit card balances. Or you may simply want to be rewarded with a preferential interest rate as acknowledgement for good credit history and responsible debt management. Whatever your goals or motivation, zero percent or low interest credit cards can help you maintain the lowest rates available to individuals with excellent to good credit. You can find out more about credit score here.

Keep in mind that there are two main categories of low rate credit cards, namely those that offer a Variable APR and those that give you a Fixed APR. Just like with variable versus fixed rate mortgages, a fixed rate APR will remain relatively stable through the course of the loan. If your card company decides to raise it – which is somewhat rare – they will first notify you of that change according to Federal law requirements. With a variable rate, your APR is tied to a prevailing rate such as the Prime Interest Rate. If the prime rate increases then your APR will most likely follow in a similar fashion.

Generally speaking, credit card companies and banks will extend either 6 or 21 month offers – within the 0% to 3.99% annual interest rate range. That can generate a considerable discount when normal APRs are averaging around 15% or higher. Once the introductory promotional period expires, the APR on a low interest credit card or interest free credit card may revert to the regular interest rate. Of course the ideal balance is a credit card that offers a great near term rate followed by an attractive, competitively priced low interest rate for the long term.

The interest rate charged on your credit card is widely regarded as the single most important component of your card. That’s because it determines the major cost for you to borrow or roll over balances and pay them off over time instead of all at once or within the same month that you make purchases. That’s why getting a zero percent or low interest credit card can be huge financial boon, no matter what your credit card usage patterns or money management strategies may be.

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About Our Ratings

Our editors rate credit cards objectively based on the features the credit card offers consumers, the fees and interest rates, and how a credit card compares with other cards in its category. The ratings are the expert opinion of our editors, and not influenced by any remuneration this site receives from card issuers.